Call reports 2023
PERENNIAL BANK — 2023
What PERENNIAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 154,106,000 | 147,986,000 | 145,823,000 | 143,805,000 |
| Total loans | 47,300,000 | 51,144,000 | 52,998,000 | 51,792,000 |
| Allowance for loan losses | 565,000 | 605,000 | 602,000 | 661,000 |
| Securities available for sale | 72,041,000 | 67,311,000 | 64,583,000 | 64,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,731,000 | 140,836,000 | 139,606,000 | 134,867,000 |
| Interest-bearing deposits | 102,104,000 | 96,629,000 | 93,938,000 | 91,835,000 |
| Noninterest-bearing deposits | 44,627,000 | 44,207,000 | 45,668,000 | 43,032,000 |
| Equity capital | 6,755,000 | 6,468,000 | 5,477,000 | 8,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,124,000 | 2,285,000 | 3,500,000 | 4,768,000 |
| Interest expense | 174,000 | 388,000 | 651,000 | 945,000 |
| Net interest income | 950,000 | 1,897,000 | 2,849,000 | 3,823,000 |
| Noninterest income | 91,000 | 188,000 | 298,000 | 397,000 |
| Noninterest expense | 608,000 | 1,254,000 | 1,935,000 | 2,558,000 |
| Provision for loan losses | 0 | 40,000 | 110,000 | 185,000 |
| Pretax income | 414,000 | 715,000 | 1,017,000 | 1,373,000 |
| Income tax | 0 | 0 | 0 | 94,000 |
| Net income | 414,000 | 715,000 | 1,017,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,587,000 | 12,729,000 | 12,958,000 | 13,104,000 |
| Total capital | 13,152,000 | 13,334,000 | 13,560,000 | 13,765,000 |
| Risk-weighted assets | 53,795,000 | 56,364,000 | 58,499,000 | 56,429,000 |